The 7 Best Wells Fargo Credit Cards for Travel Rewards, Cash Rewards, and More [2024]

Wells Fargo is sometimes overlooked in favor of more popular credit card issuers like American Express and Chase, but the San Francisco-based bank offers some great credit card options to consider when deciding what card to add to your wallet.

With a nice lineup of cards that can suit a variety of different needs, Wells Fargo cards include travel rewards cards, cash rewards cards, hotel cards, no-annual-fee cards, business cards, and more.

Let’s take a look at our selections for the best Wells Fargo credit card.

Before we examine each card, its perks, and who it is best for, here is a high-level overview of the best Wells Fargo credit cards and what they offer.

How To Choose a Wells Fargo Credit Card

When choosing a Wells Fargo credit card, ask yourself a few questions to help determine which card is best for you.

Which Types of Rewards Do You Want To Earn?

The card you select should offer the type of rewards you prefer to earn. Wells Fargo provides cards that earn cash rewards, travel rewards, and flexible rewards that feature both redemption options.

What Card Perks Are You Looking For?

If you need your new card to include perks like trip delay insurance, rental car insurance, purchase protection, or cell phone insurance, you should be mindful of those as you search for your new card.

Do the Bonus Categories Match Your Spend?

Take a look at your monthly spending habits and see which items you spend the most on, such as dining, supermarkets, or gas. Look for a card that offers bonus categories for those items so that you can earn even more rewards for every dollar you spend.

The 7 Best Wells Fargo Credit Cards

Wells Fargo Autograph Journey Card (Best for Travel Rewards and Hotel Stays)

The Wells Fargo Autograph Journey card is its flagship travel rewards card. It’s great for earning points on travel purchases.

With it, you’ll earn 5x points on hotels, 4x points on airfare, and 3x points on restaurants and other travel purchases. While many competitor cards require you to book through their own travel portal to earn bonus rewards on travel purchases, the Wells Fargo Autograph Journey card doesn’t. You can book directly to take advantage of airline or hotel brand loyalty benefits and still earn 4x to 5x bonus points for these purchases.

Beyond that, Wells Fargo Autograph Journey card benefits include lost luggage reimbursement coverage, auto rental collision damage waiver, and cell phone protection. The card doesn’t have foreign transaction fees (rates & fees), and you also get a $50 annual statement credit with a $50 minimum airline purchase.

Plus, you can redeem your Wells Fargo Rewards in various ways, such as with Wells Fargo transfer partners, through the Wells Fargo Rewards travel portal, for cash rewards, or for gift cards.

Wells Fargo Autograph Card (Best for Earning Points With No Annual Fee)

If you’re looking for a card that can help you rack up as many points as possible on a wide variety of purchases, then you’ll love the Wells Fargo Autograph card.

The card earns unlimited 3x points on restaurants, travel, gas stations, transit, popular streaming services, and phone plans, all with $0 annual fee. Earning 3x rewards on everything from gas station fill-ups to your Netflix subscription and phone plan, dining out, and vacations will help you rack up points much faster than other card options.

Your card will also come with perks such as cell phone insurance, auto rental collision damage waiver, no foreign transaction fees (rates & fees), and flexible redemption options, including access to the Wells Fargo transfer partners. Altogether, you’ve got a great all-in-one, $0-annual-fee card that helps you rack up points across 6 bonus categories.

Hot Tip:

Learn more about these cards in a side-by-side comparison of the Wells Fargo Autograph card vs. Wells Fargo Autograph Journey card.

Bilt Card (Best for Renters)

Terms Apply / Rates & Fees

Bilt World Elite Mastercard^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Learn More(at Bilt's secure site)

Bilt World Elite Mastercard^® Credit Card

Annual Fee

$0

Why We Like This Card

Never before has there been a credit card built specifically with renters in mind. Enter the Bilt World Elite Mastercard^® Credit Card, designed specifically to help renters earn rewards on their rent payments with no transaction fees.

Of course, aside from rewards on rent, there are many other solid features that the card offers that add extra value to cardholders. In this guide, we provide a complete breakdown of everything the Bilt card has to offer to help you decide whether the card makes sense for you.

Pros & Cons

Pros

• 3x points per $1 at restaurants
• 2x points per $1 on travel booked directly with airlines, hotels, and car rental agencies
• 1x point per $1 on rent payments, without a transaction fee, up to 100,000 points each calendar year

Cons

• Does not offer a welcome bonus
• Must use the card 5 times each statement period to earn points

Read Full Review

Card Highlights

• $0 annual card fee
• 1X points on rent payments with no transaction fee (up to $100,000 in rent payments every calendar year) and on other purchases
• 2X points on travel (when booked directly with an airline, hotel, car rental or cruise company)
• 3X points on dining
• Use the card 5 times each statement period to earn points
• Select Learn More to learn more about the product features, terms, and conditions

Financial Snapshot

• Foreign Transaction Fees: $0

Paying rent with a credit card generally requires a transaction fee, often around 2.9% of the payment — if your landlord even allows credit card payments.

Not so with the Bilt card. You can pay rent without transaction fees and earn 1x points on up to $100,000 in rent payments every calendar year after you make at least 5 transactions in a statement period using your Bilt card (See Rewards & Benefits). Plus, you’ll also earn 3x points on dining and 2x points on travel purchases. On rent day (the first of each month), these bonus categories are doubled to 6x points on dining, 4x points on travel, and 2x points on other purchases (excluding rent payments).

Additionally, the card has no foreign transaction fees and a $0 annual fee (rates & fees). You can redeem your Bilt Rewards points through an impressive collection of Bilt transfer partners, the Bilt travel portal, fitness classes, art pieces in The Bilt Collection, and more.

Wells Fargo Active Cash Card (Best Card for Cash Rewards)

If you prefer cash rewards to travel rewards and you want a card with a simple earning structure that doesn’t require you to keep track of bonus categories, then the Wells Fargo Active Cash card might be the best fit for you.

It earns an uncapped 2% cash rewards on all purchases with a $0 annual fee. It also features perks like cell phone protection, auto rental collision damage waiver, and a 0% intro APR offer.

Wells Fargo Reflect Card (Best for 0% Intro APR and Balance Transfers)

It doesn’t get much better than the Wells Fargo Reflect card if you’re looking for a long 0% APR offer on new purchases and/or balance transfers. With it, you’ll receive a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, along with $0 annual fee.

This 21-month 0% APR offer gives you a long window to finance a large purchase or pay down existing debt without worrying about accruing interest in the meantime.

Signify Business Cash Card (Best Business Card)

Business owners who want to earn extra cash rewards on all of their business expenses should consider the Signify Business Cash card. It offers uncapped 2% cash rewards on all purchases with no annual fee.

Additional card perks include free employee cards, rental car insurance, a 0% intro APR on purchases for 12 months, and a “Pay As You Go” Priority Pass membership, which offers discounted day passes at eligible Priority Pass lounges.

Choice Privileges Select Card (Best for Choice Loyalists)

Choice Privileges^® Select Mastercard^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Choice Privileges Select card is perfect for Choice loyalists thanks to its 10x rewards on Choice stays and automatic Platinum Elite status.

Choice Privileges^® Select Mastercard^®

The Choice Privileges Select card is perfect for Choice loyalists thanks to its 10x rewards on Choice stays and automatic Platinum Elite status.

Welcome Offer

Earn 90,000 bonus points when you spend $3,000 in purchases in the first 3 months - enough to redeem for up to 11 reward nights at select Choice Hotels^® properties. Additional fees may apply.

90,000 points

UP's Bonus Valuation*:

$540

Annual Fee

$95

APR

20.99%, 25.24%, or 29.99%, based on your creditworthiness

Pros & Cons

Pros

• 10x points on Choice stays
• 5x points at gas stations, grocery stores, home improvement stores, and phone plan services
• 1x point on all other purchases

Cons

• Points are not transferrable
• $95

Read Full Review

Card Highlights

• Earn 90,000 bonus points when you spend $3,000 in purchases in the first 3 months – enough to redeem for up to 11 reward nights at select Choice Hotels^® properties. Additional fees may apply.
• 10x points on Choice stays
• 5x points at gas stations, grocery stores, home improvement stores, and phone plan services
• 1x point on all other purchases
• Automatic Platinum Elite status
• 30,000 bonus points each account anniversary
• Cell phone protection
• Global Entry or TSA PreCheck credit

Financial Snapshot

• APR: 20.99%, 25.24%, or 29.99%, based on your creditworthiness
• Foreign Transaction Fees: None

If you regularly stay at Choice hotels during your travels, then the Choice Privileges Select card is a must-add to your wallet.

For starters, it helps you earn more rewards by offering 10x points on Choice stays and Choice point purchases, along with 5x points at gas stations, grocery stores, home improvement stores, and phone plan services.

Further, cardholders receive automatic Choice Privileges Platinum elite status, which gets you 25% bonus points on stays, a welcome gift at participating hotels in the U.S. and Canada, early check-in and late checkout (when available) at participating hotels, and Avis Preferred Plus status.

The benefits don’t end there, though. You’ll also receive a Global Entry or TSA PreCheck credit, cell phone protection, no foreign transaction fees, and 30,000 bonus points on every account anniversary.

Everything Else You Need To Know

What Credit Score Do You Need To Get a Wells Fargo Credit Card?

If you have a credit score of 670 or higher, you should have a high likelihood of being approved for any Wells Fargo credit card. Still, approval isn’t guaranteed no matter what your credit score is, and it depends on additional factors such as your income, years of credit history, and history with Wells Fargo.

What Credit Limit Can I Get With a Wells Fargo Credit Card?

The credit limit you will receive on a new card depends on various factors such as your income, credit score, the amount of credit Wells Fargo has already extended to you, and more.

How Many Wells Fargo Credit Cards Can You Have?

Wells Fargo does not place a limit on the total number of credit cards you can have with the bank. That said, you might be limited to opening additional new cards if Wells Fargo feels the amount of credit extended to you is sufficient.

Can You Combine Points on Wells Fargo Credit Cards?

Yes, you can combine Wells Fargo points on some cards. If you have both Wells Fargo Rewards cards, the Wells Fargo Autograph card and the Wells Fargo Autograph Journey card, you can combine the points earned on both cards.

How To Apply for a Wells Fargo Credit Card

You can apply for a Wells Fargo credit card just as you would any other credit card by going to the Wells Fargo website, selecting the card you want to apply for, and filling out the application details. Once you submit your application, you might receive an approval decision right away, or it may take 7 to 10 business days if Wells Fargo needs additional time to review your application.

Prequalifying for Wells Fargo Credit Cards

Wells Fargo offers a tool to check for prequalified card offers with no impact on your credit score, and the whole process hardly takes any time. Simply click the Check for Offers button on the Wells Fargo website, then enter personal details like your name, address, and the last 4 digits of your Social Security number.

Once you hit submit, Wells Fargo will provide you with a list of any credit card offers you’re prequalified for. Receiving a prequalified offer does not guarantee that you will be approved for the card, but it does mean that your approval odds are high.

Methodology: How We Selected Our List of the Best Wells Fargo Credit Cards

We analyze several factors when determining our list of the best Wells Fargo credit cards. These factors include card perks, bonus categories, best credit card welcome bonus offers, fees, and redemption value.

Card Benefits

The benefits a card offers are an important consideration in determining the overall value it provides. We prioritize cards that offer travel credits, luxury perks, and/or card protections such as cell phone insurance, trip delay insurance, and rental car insurance.

Bonus Categories

Regardless of what card you have, you want to earn as many points or as much cash-back as possible. Given that, we assign a higher rank to cards that offer bonus categories that match the items you’re likely to spend the most on, such as gas, dining, or cards that offer an increased return on all purchases.

Welcome Bonus Offers

Credit card welcome bonus offers can be quite lucrative, as they offer an opportunity to earn a large amount of rewards quickly, so we also consider this when evaluating cards.

Fees

While not as glamorous as other card perks, it pays to understand a card’s fees, such as foreign transaction fees and annual fees. If a card charges an annual fee then the benefits offered with the card should outweigh that fee.

Redemption Value

Lastly, we prioritize cards that offer flexible redemption options, such as travel transfer partners, cash-back, and travel portal redemptions, so that you can always redeem your points in a way that works best for you.

Final Thoughts

Wells Fargo offers card options for various uses. Whether you’re focused on travel rewards or cash rewards, a business owner looking to earn rewards on expenses, or a renter looking to earn rewards on monthly rent payments, there is a good Wells Fargo card option for you.